To help you learn more about Tepsick Insurance as well as our products and services, we’ve created this handy list of frequently asked questions. If you have a question that is not listed on this page, don’t hesitate to contact us today.

Frequently Asked Questions

What is an independent insurance agency?

An independent insurance agency like Tepsick Insurance does not work directly for any insurance provider. This gives us the freedom to browse through a variety of insurance plans and recommend the best fit for your needs. Rather than being loyal to one insurance provider, we’re loyal to you.

What are the advantages of working with a local insurance agent from Tepsick Insurance?

By working with one of our local insurance agents, you can receive personalized service and ensure that any questions or concerns you may have are answered and addressed in a timely fashion. You’ll also be able to lock in competitive pricing and make well-informed decisions.

How much does it cost to work with an local insurance agent?

There is absolutely no cost to working with one of our friendly and knowledgeable insurance agents. You can depend on us for all of your insurance needs without paying us anything.

What type of insurance coverage do I need?

The answer to this question depends on your particular lifestyle, preferences, and budget. Once we get to know more about you, we can inform you of what type of insurance coverage makes the most sense for your situation.

Who needs life insurance?

Life insurance is a smart investment for a variety of individuals. If you’re a breadwinner, stay-at-home parent, divorced parent, parent of a special needs child, a homeowner with a mortgage, someone who co-signed debt such as student loans or auto loans, a business owner, and/or high net worth individual, you may benefit from life insurance.

How can a local insurance agent save me money on insurance?

Our local insurance agents understand that insurance companies are always modifying their rates to stay competitive in the market. Since our agents are well appointed with multiple insurance companies and have a broader understanding of insurance rates, they are able to save you money on various insurance products.

Why is health insurance necessary?

Instead of buying a health insurance policy, you could pay for medical expenses out-of-pocket. However, this is not a good idea as a serious illness, accident, or ongoing health issue can leave you with thousands upon thousands of dollars in medical bills and put you in a very difficult financial situation.

What is the difference between Medicare Advantage and Medicare Supplements?

Medicare Advantage and Medicare Supplements are two terms that often get used interchangeably. However, they have two very different meanings.

Medicare Advantage can give you an alternative way of receiving your Medicare benefits.

It replaces Original Medicare with a private insurance company’s plan at a $0 additional premium and includes drug coverage. Medicare Advantage will only cost you copay’s and out-of-pocket expenses when you use it.

A Medicare Supplement is also a private insurance plan that requires a monthly premium.

This Supplement plan is designed to cover most or all of Original Medicare’s out-of-pocket costs.

What types of insurance plans do you offer?

In addition to health insurance, life insurance, Medicare Advantage, and Medicare Supplement plans, we offer short-term medical plans, long-term care, and disability insurance.

What should I do if I’m interested in working with an independent insurance agent from Tepsick Insurance?

Simply give us a call at 352-350-6663 or email us at We look forward to serving you!